Monthly Maintenance Charge1 $6.95How to avoid a monthly maintenance charge $14.95How to avoid a monthly maintenance charge $24.95How to avoid a monthly maintenance charge None1 None1 $3.00 $4.95How to avoid a monthly maintenance charge
Custom Add-on Features5
Certain accounts get Custom Add-ons at no cost.
  • No M&T Fee at Other Banks' ATMs6
  • Refund of Other Banks' ATM Fee7
  • No Fee for Overdraft Protection Transfers8
  • Standard Checks & Safe Deposit Box9
  • Credit Score10
No M&T Fee at Other Banks' ATMs6
$4.95 $4.95 $4.95 $4.95 $4.95 $4.95 $4.95
No M&T Fee at Other Banks' ATMs6
$4.95 $4.95 $4.95 $4.95 $4.95 $4.95 $4.95
• Description: M&T will not charge you to access your account at non-M&T ATMs in the 50 United States and Washington, D.C.

• Why you might want it: You are a frequent user of non-M&T ATMs and want to avoid the fees M&T charges for these types of transactions

• Eligible accounts: All M&T Checking accounts

• $4.95 Monthly Subscription Fee
Refund of Other Banks' ATM Fee7
Not
Available
$4.95 $4.95 Not
Available
Not
Available
Not
Available
Not
Available
Refund of Other Banks' ATM Fee7
Not
Available
$4.95 $4.95 Not
Available
Not
Available
Not
Available
Not
Available
• Description: M&T will reimburse the checking account (up to $2 per transaction) for the amount of any fee charged by another
  bank or ATM operator to use its ATMs in the 50 United States and Washington, D.C.

• Why you might want it: You are a frequent user of non-M&T ATMs and want to lower the amount of other parties' ATM fees you pay

• Eligible accounts: MyChoice Premium Checking and MyChoice Plus Checking

• $4.95 Monthly Subscription Fee
No Fee for Overdraft Protection Transfers8
$4.95 $4.95 $4.95 $4.95 $4.95 $4.95 $4.95
No Fee for Overdraft Protection Transfers8
$4.95 $4.95 $4.95 $4.95 $4.95 $4.95 $4.95
• Description: No fee for automatic overdraft transfers from your overdraft protection account (savings checking, line of credit or
  credit card) to your checking account. Enrollment in this Custom Add-on does not guarantee payment of overdrafts if there is not
  sufficient money in your overdraft protection account. In that situation, NSF or overdraft fees may apply.

• Why you might want it: You regularly take advantage of automatic overdraft transfers and wish to avoid fees for each transfer

• Eligible accounts: All M&T Checking accounts

• $4.95 Monthly Subscription Fee
Standard Checks & Safe Deposit Box9
$4.95 $4.95 $4.95 $4.95 $4.95 $4.95 $4.95
Standard Checks & Safe Deposit Box9
$4.95 $4.95 $4.95 $4.95 $4.95 $4.95 $4.95
• Description: Two orders of standard checks per year (from the date of enrollment) and 50% discount on additional check orders
  and other check styles. Waiver of annual rental fee of $50 or less for one safe deposit box; or 50% discount on the annual rental
  fee for one safe deposit box with a fee of more than $50 (up to a maximum discount of $200).

• Why you might want it: You plan to both rent a box and place at least 2 check orders per year

• Eligible accounts: All M&T Checking accounts

• $4.95 Monthly Subscription Fee
Credit Score10
$2.99 $2.99 $2.99 $2.99 $2.99 $2.99 $2.99
Credit Score10
$2.99 $2.99 $2.99 $2.99 $2.99 $2.99 $2.99
• Description: Log in to M&T Web Banking® to view your FICO® credit score and key factors affecting your score (provided by
  Equifax), updated monthly. Subscription fee covers one user.

• Why you might want it: You are looking to keep monthly tabs on your FICO® score

• Eligible accounts: All M&T Checking accounts

• $2.99 Monthly Subscription Fee
M&T Web & Mobile Banking11
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M&T Web & Mobile Banking11
Access your accounts from your computer or mobile device
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M&T Web & Mobile Bill Pay11
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M&T Web & Mobile Bill Pay11
Pay bills from your computer or mobile device
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M&T Bank Alerts11
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M&T Bank Alerts11
Stay connected with alerts sent by text, email, and App for iPhone®
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M&T Debit Card
with Custom Card Option12
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M&T Debit Card
with Custom Card Option12
With an M&T Custom Card, you can easily add a little personality
to your M&T Debit Card with a photo or image.
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No overdraft fee for transactions less than $513
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No overdraft fee for transactions less than $513
We do not charge an NSF or overdraft fee if you do not have sufficient
available funds in your checking account to cover a transaction of less than $5
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Interest-bearing checking
Interest
option
available
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Interest-bearing checking
Enjoy all the benefits of a personal checking account - and earn interest on your money.
Interest
option
available
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Discounted Personal Loan Rates2
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No M&T fee for Travelers Checks
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Special Deposit Interest Rates
check
No M&T fee for money orders/official checks
check
No M&T fee for incoming foreign & domestic wire transfers
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M&T Bank.  Understanding what's important® Build your checking account with Custom Add-ons!5
EXPAND TO LEARN MORE
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Choose 2

at no cost

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Choose 4

at no cost

X
Have total direct deposits of $200 or more per monthly service charge cycle
OR
Make 10 or more debit card purchases or payments per monthly service charge cycle
OR
Keep an average balance of $500 or more throughout your monthly service charge cycle
X
Keep an average balance of $2,500 or more throughout your monthly service charge cycle
OR
Keep total combined balances of $5,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments,3 and business deposit accounts
OR
Have an M&T mortgage, in good standing, with an original amount of at least $100,000
X
Keep an average balance of $7,500 or more throughout your monthly service charge cycle
OR
Keep total combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investments,3 and business deposit accounts
OR
Have an M&T mortgage, in good standing, with an original amount of at least $200,000
X
Have at least 1 direct deposit per monthly service charge cycle
OR
Make 10 or more debit card purchases or payments per monthly service charge cycle
OR
Keep an average balance of $500 or more in your M&T Classic Checking With Interest account throughout your monthly service charge cycle
OR
Keep combined balances of $1,500 or more in eligible personal deposit accounts throughout your monthly service charge cycle.
X
Have at least 1 direct deposit per monthly service charge cycle
OR
Make 10 or more debit card purchases or payments per monthly service charge cycle
OR
Keep an average balance of $500 or more in your M&T Classic Checking With Interest account throughout your monthly service charge cycle
OR
Keep combined balances of $1,500 or more in eligible personal deposit accounts throughout your monthly service charge cycle.

Customize Your Banking Experience

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